Mortgages for the self-employed

Calculate your maximum mortgage as a self-employed professional

The average income you generated over the years you have worked will be used to calculate your maximum mortgage. This is called your qualifying income. If your income in the previous year is lower than this average, we will base our calculations on the lower amount. Even if you have only been self-employed for one year, your income will be included in the calculation at 75%, and you can therefore take out a mortgage with us.

Toon Verberg

Your income and the maximum amount you can borrow

With and without Dutch National Mortgage Guarantee (NHG)

No. of years self-employed	Qualifying income without NHG, up to 100% of the purchase sum	Qualifying income with NHG, up to 100% of the purchase sum and maximum of € 405,000
1 - 2 years	75% of your income from self-employment in the previous calendar year (or the prognosis if it is lower).	100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the average income).
2 - 3 years	90% of your average income from self-employment over the past 2 calendar years (or the prognosis if it is lower).	100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the average income).
> 3 years	100% of the average income from self-employment over the past 3 years, up to a maximum of the income generated in the previous year (as long as your current income is in line with that of the previous calendar year).	100% of your average income from self-employment over the past 3 years

NHG-backed mortgage for self-employed in 2023

Also in 2023 you can take out a mortgage with National Mortgage Guarantee (NHG), if the purchase sum for the home does not exceed € 405,000 .
To take out an NHG-backed mortgage, you need your qualifying income. This can be established by ABN AMRO, or by an expert third party: Raadhuys, Pentrax, Overviewz or Zakelijk Inkomen. These parties charge a fee for their services. You can arrange this yourself or you can ask your mortgage adviser for help. Visit the NHG website to find out what details you need.

What you need to bring to a mortgage meeting?

Income tax returns for the years of self-employment (maximum of 3 years)
Final annual figures, if available (maximum of 3 years)
Chamber of Commerce registration details (no more than 2 months old)
Proof of ID
Pension statement

If you are in a general or commercial partnership, you will also need the following documents at the meeting:

Salary slip
Partnership contract.

If you do not yet have the final annual figures for the last tax year, you can use provisional figures until 1 July, provided these have been prepared by an accountant. After 1 July, you can then show us the final annual figures for the last tax year.

Reasons for taking out a mortgage from ABN AMRO

Discount on your mortgage interest

Client discount of up to 0.2% if you have an ABN AMRO payment package. And a sustainability discount of up to 0.15% when you buy an energy-efficient home or take further sustainability measures.

Free orientation meeting

To find out more about your options, make an appointment for an orientation meeting, free of charge. Wherever and whenever suits you best, by telephone or in a video call.

Manage your mortgage yourself

You can view and change your mortgage yourself on Internet Banking. From changing the interest rate to making additional repayments. It’s secure and easy.

Uitgelogd